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Collection of payments on the Internet

Collection of payments on the Internet

A comfortable way for collecting payments on the Internet

  • Bank Link enables your clients to instantly pay for goods and services purchased from your online shop.
  • With the Internet Card Payment, you can offer your clients the chance to pay for the purchased services online with a Visa or Mastercard credit or debit card.
  • The authentication service allows you to safely identify a client entering your service environment or online shop.

The e-commerce payment solution:

  • Allows customers to make card payments online – all owners of a Mastercard or Visa across the globe can pay for goods and services easily and conveniently in your e-shop.
  • Facilitates convenient payments for customers from their accounts at local banks. The customer can pay for their purchases immediately by opening a pre-filled payment order* in their Internet Bank directly from the online shop.
  • Secure for merchants thanks to the 3D-Secure program.
  • Secure for cardholders – the PCI-certified platform ensures the safety of card data.
  • Uses the e-commerce payment gateway payment solution, which is developed in cooperation with the tech company EveryPay.

* the service will be added in the first quarter of 2020

A convenient and comprehensive portal for merchants

  • Payment history, filtering, and export
  • Detailed view of key information related to the payment
  • Cancellation and refunding of payments
  • Management of automatic standing payments
  • Management of e-shop settings

Easy to implement

  • Free modules for most widespread platforms (Magento 2, Magento, WooCommerce, PrestaShop, OpenCart) or a special interfacing solution
  • SDKs for iOS and Android platforms
  • Sandbox for testing

General requirements for a merchant's website

To use the Internet Card Payment service, the merchant's website must meet the following terms and conditions:

Contact data of the company

The website offering the goods or services must belong to a company that has concluded an agreement with the bank.

  • complete name of the company;
  • registry code;
  • postal address; country of residence;
  • e-mail address;
  • contact phone.

Information about the offered goods and services

  • Complete list of goods/services – a detailed description of the goods/service; price list (currency for the card transaction);
  • Total cost of the order – postal charges and the fee for determining them will be added; reference to possible additional fees, including the obligation of the person who orders to pay possible customs fees and value-added taxes.

Paying for goods and services and card logos

  • Description and terms and conditions of the purchasing process – must be easily found and unambiguous for the client;
  • Payment methods – different payment methods must be listed, including Internet Card Payment;
  • The website must clearly display the logos of the accepted cards (Mastercard/Visa) and trademarks (SecureCode, VbV). You can download the correct logos from the website of EveryPay;

Terms and conditions for the delivery and return of goods and services

  • Procedure for handing over / sending the goods;
  • Procedure for forwarding data about the order to the client;
  • Warranty provisions of the goods; procedure for exchange and return;
  • Phone and e-mail address of customer support and procedure for providing feedback. Phone: local time working hours and time zone (GMT +2); e-mail address: time period in which replies are provided.
  • The merchant undertakes to verify by any means which leaves a written record that the card owner has agreed to the terms and conditions for providing the service and/or the sale of the goods before confirming the transaction.

NB! The entire transaction process must be executed on the website specified in the agreement concluded with the bank. It is prohibited to direct the website to sites not specified in the agreement. It is also prohibited to direct the websites of other sales environments to the website specified in the agreement.

We also ask that you familiarise yourself with the document prepared by the Consumer Protection Board Instructions for a company operating in e-trade, which includes instructions for merchants arising from the requirements of the law and good trading practices.

How to prevent card frauds?

Internet Card Payments provide a more convenient method for purchases. Unfortunately, more convenient methods mean greater risks. The more card data people enter, the more tempted criminals are to gain access to them.

Merchants unfortunately have to deal with card frauds as they provide Internet payments. Therefore, here are some simple guidelines for preventing card fraud and the resultant damage.

Before sending out the goods, the transaction data should be checked and attention should be paid to irregular activities:

  • compare the data with previous frauds;
  • check the addresses where the goods are sent. Situations where transactions for goods ordered to the same address have been made with different bank cards or different card holders might cause suspicion;
  • Pay attention to unconventional sums. Transitions made in larger than usual sums should be paid especially close attention to;
  • Pay attention to the IP addresses of the card holders. If the same IP address is used to make transactions with different cards or for different recipients, close attention should be paid.

If there is any suspicion of a fraud, the merchant must immediately contact the bank and not send the goods.

Technical requirements for the developer

EveryPay customer support

Integration documentation

E-mail address of the customer support of the e-business payment solution:



Authentication service

The authentication service allows you to safely and simply identify a client entering your service environment or online shop.

Prerequisites for using the authentication service:

  • a current account in SEB;
  • a website that meets the requirements and requires that the client identify themselves before using the website;
  • submit an application to join the service in the Internet Bank or the link provided below.

Process of authenticating a client:

  • A package must be installed under the “SEB” logo on the website, which, once pressed, directs the client to the Internet Bank for identification.
  • In the Internet Bank, a client shall give consent to SEB for forwarding their name and personal identification code to the service provider.
  • The service provider is then sent a package which includes the authentication information and the client’s name and personal identification code.


Technical requirements for a developer

Bank Link / authentication service logo

The website of the online shop must include the Internet Bank logo, which the client cannot make or change on their own.

1. Home page icon

120x60 pixels
2559 bytes

Text under the icon: You can pay via SEB Internet Bank here.
From the icon please refer to the page opened in a new window, with a recommendable name "SEB".

2. Home page icon

88x31 pixels
1803 bytes

Text under the icon: You can pay via SEB Internet Bank here.
From the icon please refer to the page opened in a new window, with a recommendable name "SEB".

3. Icon for starting payment

The icon used measures 88 x 31 pixels including the submit button. The HTML code is placed in the form element with the details of the electronic payment order.

You can develop the technical solution on your own or order one from our partners

E-mail for the Bank Link’s technical support: .


Terms and conditions of the Bank Link Contract Terms and conditions of Authentication Contract Terms and conditions of e-commerce service agreement
Requirements for accepting internet card payments

11. Bank link   
subscription min EUR 65
transaction fee 1% of transaction value, min EUR 0.13, max EUR 3.20 per transaction
   for Financial intermediation companies EUR 1.28
amendment of agreement EUR 15
authentication (3)  
   subscription EUR 65
   amendment of agreement EUR 15
   monthly maintenance fee EUR 20 or as agreed with the client


Internet Card Payment  
agreement conclusion fee EUR 50
monthly fee per one trading place EUR 10
transaction processing fee as agreed with the bank




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